Colorado Federal Savings Bank

Last Updated: 7/15/2025

Note: Interest rates below are reported as APY, or Annual Percentage Yield

Quick Views

Premier Savings: 4.25% APY(Rank 21 out of 77 tracked HYSAs)

Minimum Deposit: $50,000 | Online Only

High Yield Savings: 4.20% APY(Rank 30 out of 90 savings accounts)

Minimum Deposit: $1 | Online Only

National Savings Interest Rate: 0.38% (as of 6/16/2025)

Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.

(Source: FDIC)

Bank Overview

Location: Greenwood Village, Colorado

Founded: 1990

Access to Branches: None

BBB Rating: A+ (Not BBB Accredited)

App Store Rating: 4.7/5

Google Play Rating: N/A

Website: Visit Colorado Federal Savings Bank

Our Take on Colorado Federal Savings Bank

Highlights

Premier Savings offers a competitive APY of 4.25%
High Yield Savings account has no maintenance fees
Bank has a strong BBB rating of A+
App Store rating is high at 4.7

Considerations

No physical branches available for in-person service
Both accounts require a minimum deposit to open
No direct deposit requirement may limit some users
APY has not changed in the last 30 days

Summary: Colorado Federal Savings Bank provides two online-only savings accounts with competitive APYs of 4.25% and 4.20%. Both accounts have no maintenance fees, but require minimum deposits of $50,000 and $1, respectively. The bank holds an A+ BBB rating, although it is not accredited. Users may find the absence of physical branches a drawback, and the lack of a direct deposit requirement could limit accessibility for some potential customers.

Savings Accounts

Savings Accounts Offered by Colorado Federal Savings Bank

Feature	High Yield Savings	Premier Savings
APY	4.20% (as of 7/15/2025)	4.25% (as of 7/15/2025)
APY Trend	Stable for the last month	Stable for the last month
Minimum Deposit	$1	$50,000
Minimum Balance for APY	$1	$50,000
FDIC-insured	Yes	Yes
Online Only	Yes	Yes
Bundled Account	No	No
Direct Deposit Required	No	No
Compound Frequency	Daily	Daily
Maintenance Fee	$0	$0
Eligibility	United States	United States
No deposit agreement summary available for this bank.

Calculate Savings for Colorado Federal Savings Bank

All calculations are based on APY.

Choose savings account:

Initial Deposit:

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Total savings breakdown:

Interest earned: $2,125 (4.08%)
Total contributions: $0 (0.00%)
Initial deposit: $50,000 (95.92%)

Your total balance

$52,125.00

Effective APY: 4.25% (based on your deposit and contributions)

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Colorado Federal Savings Bank Savings Rates Over Time

Historical APY Insights

Metric	Premier Savings	High Yield Savings
Latest APY	4.25 %	4.20 %
Trend	Sideways	Sideways
Slope (bps/mo)	0.0	-0.1
Rate Changes / Mo	0.00	0.41
Days Since Last Change	146	95
High (-5 m)	4.25 %	4.25 %
Low (-5 m)	4.25 %	4.20 %
Draw-down from High	0.0 %	-1.2 %
Volatility (CV)	0.000	0.002

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 5 months (regression slope).
Slope (bps/mo): Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo: Typical number of APY moves per month.
Days Since Last Change: Recency of the latest APY adjustment.
High (-5 m): Highest APY in the last 147 days.
Low (-5 m): Lowest APY in the last 147 days.
Draw-down from High: How far today sits below the 5-month peak.
Volatility (CV): Coefficient of variation = stdev ÷ mean.

Why Track Savings-Account APYs?

See how quickly a bank reacts to Fed moves or competition.
Gauge “twitchiness” - frequent moves can annoy savers.
Spot if you're buying near a peak (draw-down) or riding a rise.
Slope (bps/mo) shows speed of change.
Volatility (CV) scales jumps by average level.

Compare Colorado Federal Savings Bank's Savings Accounts

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TIMBR - 4.40% APY
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Western Alliance Bank - 4.25% APY
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Feature	Colorado Federal Savings Bank	Select a bank...
Product		N/A
APY	4.25% (as of 7/15/2025)	N/A
Bundled Account	No	N/A
FDIC-insured	Yes	N/A
Online Only	Yes	N/A
Compound Frequency	Daily	N/A
Minimum Deposit	$50,000	N/A
Minimum Balance for APY	$50,000	N/A
Maintenance Fee	$0	N/A
Direct Deposit Required	No	N/A